Robinswood Financial LLC

Fees and Compensation

Instead of accepting commissions, referral fees, or other such compensation, Robinswood Financial charges a yearly portfolio
management fee based on the size of your account. Management fees incurred are deducted from the clients assets at the end of
each quarter.

Client Assets Under Management - Robinswood Financial charges an investment management fee based on a percentage of the
market value of the client's assets managed by Robinswood at the end of each calendar quarter. Fees are payable quarterly, in
arrears, at the following annual rates: All Accounts are billed at 0.75% on the first $1 million, and then 0.2% on account values up
to $5 million. Values greater than $5 million are billed at 0.1%.

Minimum Managed household account (or combination of accounts) is $250,000. Minimum account requirements may be waived
at the discretion of Robinswood Financial.

The blended annual fee: at $10 million is approximately 0.2%, at $20 million is 0.15%, at $30 million 0.1%. When you open your
Schwab account, your first fees are prorated based on the day Robinswood Financial portfolio management agreement is
executed. If funds are deposited into or withdrawn from your Schwab account during the quarter, the fees may be prorated
accordingly.

Being compensated by this predetermined client fee rather than by commissions ensures that the advice you receive from us is
unbiased and independent. Our fees increase only if your investments grow; therefore our interests are closely aligned with yours.
We focus on your financial objectives and your future, and our only motivation is your best interest.

Additional Fees and Expenses

             The fees that you pay to our firm for investment advisory services are separate and distinct from the fees
         and expenses charged by ETFs and mutual funds (described in each fund’s prospectus) to their shareholders. You
         may incur transaction and/or brokerage fees when we purchase or sell index funds or other securities in
         your account. You may also pay other custodial fees. Please refer to your account agreement with
         Charles Schwab & Co. We do not share in any fees charged by the broker-dealer or custodian. To fully
         understand the total cost you will incur, you should review all the fees charged by all parties, including,
         but not necessarily limited to, mutual funds, exchange traded funds, our firm and the custodian (Charles
         Schwab & Co.). No part of the third‐party fees and costs described above is received by Robinswood or
         any of its employees.

Types of Clients

         In general, Robinswood Financial clients have the following characteristics:

                They have a long-term focus, and know that it takes time to reach their financial goals and
                    objectives.
                They understand the nature of the financial markets as well as the characteristics of the different
                    asset classes.
                They tend to be savers rather than spenders.
                They have decided to turn over the day-to-day control of their portfolios to professionals.

         The majority of our clients are individual investors for whom we manage taxable, IRA, and 401(k)
         money. We help such clients develop long-term plans for their assets, transition from their working lives
         into retirement, and manage their wealth. We also manage investment portfolios for trusts, charitable
         organizations and businesses. Our current account minimum is $250,000 per household account (or
         combination of accounts) in cash or marketable securities. This minimum account requirement may be
         waived for individuals related to or referred by current clients.